In 2014, 20 million went without insurance, but only 8 million paid the penalty-tax. The remaining 12 million people claimed one of 9 exemptions (which include 14 hardship waivers). Numbers 13 and 14 are fairly broad in scope. More than 600,000 people have avoided the penalty -- and the high-cost, unaffordable premiums -- by joining a health-sharing ministry (Exemption #2). Check them out as Open Enrollment begins on November 1, 2016.

THE RULING: On June 25, interns of news media ran the U.S. Supreme Court ruling on King v. Burwell (Obamacare premium subsidies issued by federal exchange) to waiting reporters. Even though the plain text of the law clearly states that federal premium subsidies can only be issued by an “Exchange established by the State,” the 6-3 ruling, written by Chief Justice John Roberts ignored the Rule of Law and declared subsidies could also be issued by the federal exchange. Justice Scalia’s dissent, which follows Roberts’ ruling in the document, is priceless. Read it here...

On May 1, HHS released a report on the number of people enrolling in the Exchanges during the first open enrollment period, which ended March 31, 2014.1HHS has also published data on the amount that has been spent on establishing Exchanges: both grants HHS has made to states--both to those that have established their own Exchanges and those that have not--and funds HHS has used to establish the federally-run Exchange.

On May 1, HHS released a report on the number of people enrolling in the Exchanges during the first open enrollment period, which ended March 31, 2014.1HHS has also published data on the amount that has been spent on establishing Exchanges: both grants HHS has made to states--both to those that have established their own Exchanges and those that have not--and funds HHS has used to establish the federally-run Exchange.

As health care costs continue to rise, individuals and families face difficult choices about health care coverage. More than 300,000 Americans have found an alternative in medical sharing groups. They have been available for decades, but they are virtually unknown. If you haven’t heard of them before now, you are not alone.

Starting in 2014, every person needs to have health coverage or make a payment on their federal income tax return called the "shared responsibility payment."

Some people are exempt from making this payment. This application includes one category of exemption. There are other applications for other categories of exemptions. You may apply for certain other categories of exemptions when you file your federal income tax return.

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Health Privacy Alert!

HIPAA DOES NOT PROTECT PRIVACY... AND YOU ARENOT REQUIRED TO SIGN HIPAA "PRIVACY" FORMS

By federal law, you are not required to sign the clinic or hospital HIPAA "Privacy" form (or the Acknowledgement of the Notice of Privacy Practices embedded in consent forms)...even if the clinic tries to insist that you must. The form has nothing to do with...